Home > Capital Bank Corporation > Performance and Condition Ratios
Capital Bank Corporation, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2411% | 2,467 |
| Cost of funding earning assets | 0.4296% | 2,890 |
| Net interest margin | 3.8115% | 2,355 |
| Noninterest income to average assets | 0.5780% | 2,591 |
| Noninterest expense to average assets | 2.2880% | 4,331 |
| Loan and lease loss provision to assets | 0.1157% | 1,868 |
| Net operating income to assets | 1.0219% | 2,462 |
| Return on assets (ROA) | 1.0219% | 2,501 |
| Pretax return on assets | 1.6241% | 1,336 |
| Return on Equity (ROE) | 7.5386% | 3,371 |
| Retained earnings to average equity (ytd only) | 5.0930% | 2,816 |
| Net charge-offs to loans | 0.1129% | 1,665 |
| Credit loss provision to net charge-offs | 137.0725% | 1,797 |
| Earnings coverage of net charge-offs (x) | 20.6164% | 1,946 |
| Efficiency ratio | 55.1644% | 4,832 |
| Assets per employee ($millions) | 6.0039% | 1,493 |
| Cash dividends to net income (ytd only)* | 32.4403% | 2,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5967% | 5,331 |
| Loan loss allowance to noncurrent loans | 158.5730% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 1,922 |
| Noncurrent loans to loans | 0.3763% | 3,603 |
| Net loans and leases to total assets | 74.6232% | 1,817 |
| Net loans and leases to deposits | 92.1144% | 1,553 |
| Net loans and leases to core deposits | 104.1020% | 1,384 |
| Total domestic deposits to total assets | 81.0115% | 4,043 |
| Equity capital to assets | 13.7711% | 1,055 |
| Core capital (leverage) ratio | 10.8693% | 2,580 |
| Tier 1 risk-based capital ratio | 12.6851% | 4,218 |
| Total risk-based capital ratio | 13.2324% | 4,516 |
| Memoranda: | ||
| Average total assets | $10,070,731,500 | 121 |
| Average earning assets | $9,114,777,500 | 121 |
| Average equity | $1,365,179,750 | 119 |
| Average total loans | $7,525,215,250 | 119 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 2,504 |
| Cost of funding earning assets | 0.3966% | 3,111 |
| Net interest margin | 3.7944% | 2,308 |
| Noninterest income to average assets | 0.6059% | 2,429 |
| Noninterest expense to average assets | 2.3686% | 4,151 |
| Loan and lease loss provision to assets | 0.1134% | 1,806 |
| Net operating income to assets | 0.9813% | 2,523 |
| Return on assets (ROA) | 0.9813% | 2,569 |
| Pretax return on assets | 1.5521% | 1,488 |
| Return on Equity (ROE) | 7.2776% | 3,409 |
| Retained earnings to average equity (ytd only) | 4.7619% | 2,879 |
| Net charge-offs to loans | 0.1100% | 1,531 |
| Credit loss provision to net charge-offs | 138.1611% | 1,614 |
| Earnings coverage of net charge-offs (x) | 20.2982% | 1,800 |
| Efficiency ratio | 57.0714% | 4,699 |
| Assets per employee ($millions) | 5.9737% | 1,483 |
| Cash dividends to net income (ytd only)* | 34.5680% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 5,398 |
| Loan loss allowance to noncurrent loans | 185.1431% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.8312% | 2,133 |
| Noncurrent loans to loans | 0.3185% | 3,891 |
| Net loans and leases to total assets | 74.4983% | 1,777 |
| Net loans and leases to deposits | 92.1744% | 1,466 |
| Net loans and leases to core deposits | 104.3983% | 1,329 |
| Total domestic deposits to total assets | 80.8233% | 4,228 |
| Equity capital to assets | 13.6172% | 1,106 |
| Core capital (leverage) ratio | 10.7376% | 2,668 |
| Tier 1 risk-based capital ratio | 12.5239% | 4,291 |
| Total risk-based capital ratio | 13.0631% | 4,641 |
| Memoranda: | ||
| Average total assets | $10,047,474,000 | 120 |
| Average earning assets | $9,077,584,670 | 120 |
| Average equity | $1,354,754,330 | 116 |
| Average total loans | $7,496,087,000 | 118 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1128% | 2,608 |
| Cost of funding earning assets | 0.3670% | 3,348 |
| Net interest margin | 3.7458% | 2,327 |
| Noninterest income to average assets | 0.6126% | 2,359 |
| Noninterest expense to average assets | 2.4440% | 3,984 |
| Loan and lease loss provision to assets | 0.1354% | 1,413 |
| Net operating income to assets | 0.9035% | 2,741 |
| Return on assets (ROA) | 0.9035% | 2,798 |
| Pretax return on assets | 1.4121% | 1,848 |
| Return on Equity (ROE) | 6.7345% | 3,527 |
| Retained earnings to average equity (ytd only) | 3.6841% | 3,599 |
| Net charge-offs to loans | 0.1376% | 1,110 |
| Credit loss provision to net charge-offs | 132.1902% | 1,301 |
| Earnings coverage of net charge-offs (x) | 15.1076% | 1,690 |
| Efficiency ratio | 59.5630% | 4,518 |
| Assets per employee ($millions) | 5.9753% | 1,523 |
| Cash dividends to net income (ytd only)* | 45.2947% | 1,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5843% | 5,508 |
| Loan loss allowance to noncurrent loans | 175.2136% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.8402% | 2,197 |
| Noncurrent loans to loans | 0.3335% | 3,911 |
| Net loans and leases to total assets | 73.9102% | 1,759 |
| Net loans and leases to deposits | 91.3023% | 1,397 |
| Net loans and leases to core deposits | 101.3174% | 1,420 |
| Total domestic deposits to total assets | 80.9511% | 4,422 |
| Equity capital to assets | 13.3660% | 1,120 |
| Core capital (leverage) ratio | 10.6741% | 2,713 |
| Tier 1 risk-based capital ratio | 12.3458% | 4,481 |
| Total risk-based capital ratio | 12.8815% | 4,852 |
| Memoranda: | ||
| Average total assets | $10,020,444,000 | 119 |
| Average earning assets | $9,038,809,000 | 119 |
| Average equity | $1,344,356,000 | 117 |
| Average total loans | $7,459,073,500 | 117 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0671% | 2,963 |
| Cost of funding earning assets | 0.3860% | 3,146 |
| Net interest margin | 3.6811% | 2,771 |
| Noninterest income to average assets | 0.4851% | 3,324 |
| Noninterest expense to average assets | 2.5364% | 3,895 |
| Loan and lease loss provision to assets | 0.0634% | 3,110 |
| Net operating income to assets | 0.7940% | 3,335 |
| Return on assets (ROA) | 0.8100% | 3,365 |
| Pretax return on assets | 1.2537% | 2,460 |
| Return on Equity (ROE) | 6.2635% | 3,861 |
| Retained earnings to average equity (ytd only) | -0.4515% | 5,372 |
| Net charge-offs to loans | 0.1167% | 2,091 |
| Credit loss provision to net charge-offs | 72.1971% | 3,094 |
| Earnings coverage of net charge-offs (x) | 14.7087% | 2,268 |
| Efficiency ratio | 64.8597% | 3,790 |
| Assets per employee ($millions) | 5.7074% | 1,692 |
| Cash dividends to net income (ytd only)* | 107.2082% | 291 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5815% | 5,563 |
| Loan loss allowance to noncurrent loans | 157.4358% | 2,712 |
| Noncurrent assets plus other real estate owned to assets | 0.8397% | 2,243 |
| Noncurrent loans to loans | 0.3693% | 3,801 |
| Net loans and leases to total assets | 74.1007% | 1,838 |
| Net loans and leases to deposits | 92.4728% | 1,376 |
| Net loans and leases to core deposits | 103.5490% | 1,315 |
| Total domestic deposits to total assets | 80.1324% | 4,545 |
| Equity capital to assets | 13.4671% | 1,066 |
| Core capital (leverage) ratio | 11.2266% | 2,140 |
| Tier 1 risk-based capital ratio | 12.3944% | 4,446 |
| Total risk-based capital ratio | 12.9294% | 4,842 |
| Memoranda: | ||
| Average total assets | $8,058,484,400 | 146 |
| Average earning assets | $7,320,439,000 | 143 |
| Average equity | $1,042,113,200 | 139 |
| Average total loans | $6,070,940,800 | 131 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0490% | 3,040 |
| Cost of funding earning assets | 0.3910% | 3,117 |
| Net interest margin | 3.6580% | 2,864 |
| Noninterest income to average assets | 0.4374% | 3,649 |
| Noninterest expense to average assets | 2.3274% | 4,468 |
| Loan and lease loss provision to assets | 0.0550% | 3,154 |
| Net operating income to assets | 0.9000% | 2,905 |
| Return on assets (ROA) | 0.9011% | 3,042 |
| Pretax return on assets | 1.3894% | 2,071 |
| Return on Equity (ROE) | 7.0637% | 3,530 |
| Retained earnings to average equity (ytd only) | -1.7841% | 5,582 |
| Net charge-offs to loans | 0.0972% | 1,975 |
| Credit loss provision to net charge-offs | 74.8984% | 2,724 |
| Earnings coverage of net charge-offs (x) | 19.6328% | 1,921 |
| Efficiency ratio | 60.4386% | 4,474 |
| Assets per employee ($millions) | 5.8792% | 1,528 |
| Cash dividends to net income (ytd only)* | 125.2569% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7410% | 5,335 |
| Loan loss allowance to noncurrent loans | 216.0951% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.8519% | 2,428 |
| Noncurrent loans to loans | 0.3429% | 4,026 |
| Net loans and leases to total assets | 75.6351% | 1,587 |
| Net loans and leases to deposits | 95.3937% | 1,110 |
| Net loans and leases to core deposits | 109.8286% | 929 |
| Total domestic deposits to total assets | 79.2873% | 4,659 |
| Equity capital to assets | 12.4180% | 1,830 |
| Core capital (leverage) ratio | 10.5291% | 2,964 |
| Tier 1 risk-based capital ratio | 11.9864% | 4,796 |
| Total risk-based capital ratio | 12.6995% | 5,026 |
| Memoranda: | ||
| Average total assets | $7,588,944,250 | 151 |
| Average earning assets | $6,914,430,000 | 151 |
| Average equity | $968,096,250 | 148 |
| Average total loans | $5,737,128,000 | 140 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0644% | 3,010 |
| Cost of funding earning assets | 0.3914% | 3,140 |
| Net interest margin | 3.6730% | 2,810 |
| Noninterest income to average assets | 0.3561% | 4,224 |
| Noninterest expense to average assets | 2.3159% | 4,565 |
| Loan and lease loss provision to assets | 0.0677% | 2,787 |
| Net operating income to assets | 0.8254% | 3,191 |
| Return on assets (ROA) | 0.8270% | 3,322 |
| Pretax return on assets | 1.3160% | 2,344 |
| Return on Equity (ROE) | 6.4238% | 3,838 |
| Retained earnings to average equity (ytd only) | -6.8449% | 5,811 |
| Net charge-offs to loans | 0.0952% | 1,891 |
| Credit loss provision to net charge-offs | 94.4033% | 2,192 |
| Earnings coverage of net charge-offs (x) | 19.2550% | 1,786 |
| Efficiency ratio | 61.3084% | 4,459 |
| Assets per employee ($millions) | 5.6655% | 1,650 |
| Cash dividends to net income (ytd only)* | 206.5558% | 97 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7813% | 5,324 |
| Loan loss allowance to noncurrent loans | 209.2448% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.8607% | 2,444 |
| Noncurrent loans to loans | 0.3734% | 4,027 |
| Net loans and leases to total assets | 74.6911% | 1,703 |
| Net loans and leases to deposits | 95.6941% | 1,110 |
| Net loans and leases to core deposits | 108.0790% | 1,036 |
| Total domestic deposits to total assets | 78.0519% | 4,990 |
| Equity capital to assets | 12.4352% | 1,815 |
| Core capital (leverage) ratio | 10.4213% | 3,052 |
| Tier 1 risk-based capital ratio | 11.9714% | 4,842 |
| Total risk-based capital ratio | 12.7163% | 5,066 |
| Memoranda: | ||
| Average total assets | $7,521,936,330 | 152 |
| Average earning assets | $6,842,308,330 | 151 |
| Average equity | $968,343,330 | 145 |
| Average total loans | $5,670,859,330 | 141 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 2,854 |
| Cost of funding earning assets | 0.3968% | 3,107 |
| Net interest margin | 3.6994% | 2,674 |
| Noninterest income to average assets | 0.1348% | 5,669 |
| Noninterest expense to average assets | 2.4031% | 4,360 |
| Loan and lease loss provision to assets | 0.0737% | 2,490 |
| Net operating income to assets | 0.6419% | 4,014 |
| Return on assets (ROA) | 0.6419% | 4,133 |
| Pretax return on assets | 1.0190% | 3,406 |
| Return on Equity (ROE) | 4.9009% | 4,530 |
| Retained earnings to average equity (ytd only) | 4.9009% | 3,000 |
| Net charge-offs to loans | 0.0814% | 1,683 |
| Credit loss provision to net charge-offs | 119.9825% | 1,446 |
| Earnings coverage of net charge-offs (x) | 17.7984% | 1,558 |
| Efficiency ratio | 67.3205% | 3,576 |
| Assets per employee ($millions) | 5.5552% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8033% | 5,352 |
| Loan loss allowance to noncurrent loans | 239.8167% | 1,934 |
| Noncurrent assets plus other real estate owned to assets | 0.9168% | 2,403 |
| Noncurrent loans to loans | 0.3349% | 4,235 |
| Net loans and leases to total assets | 74.6999% | 1,614 |
| Net loans and leases to deposits | 92.7225% | 1,265 |
| Net loans and leases to core deposits | 106.9953% | 1,018 |
| Total domestic deposits to total assets | 80.5629% | 4,618 |
| Equity capital to assets | 13.2108% | 1,310 |
| Core capital (leverage) ratio | 11.1038% | 2,306 |
| Tier 1 risk-based capital ratio | 12.9555% | 4,296 |
| Total risk-based capital ratio | 13.7207% | 4,509 |
| Memoranda: | ||
| Average total assets | $7,467,174,500 | 154 |
| Average earning assets | $6,783,989,000 | 153 |
| Average equity | $978,020,000 | 145 |
| Average total loans | $5,633,836,500 | 140 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2694% | 2,313 |
| Cost of funding earning assets | 0.3545% | 3,652 |
| Net interest margin | 3.9149% | 1,979 |
| Noninterest income to average assets | 0.5565% | 2,983 |
| Noninterest expense to average assets | 2.6844% | 3,636 |
| Loan and lease loss provision to assets | 0.0330% | 3,709 |
| Net operating income to assets | 0.8521% | 3,104 |
| Return on assets (ROA) | 0.8525% | 3,173 |
| Pretax return on assets | 1.3408% | 2,129 |
| Return on Equity (ROE) | 6.1967% | 3,951 |
| Retained earnings to average equity (ytd only) | -14.1808% | 6,082 |
| Net charge-offs to loans | 0.1429% | 1,922 |
| Credit loss provision to net charge-offs | 31.1844% | 3,636 |
| Earnings coverage of net charge-offs (x) | 12.9863% | 2,405 |
| Efficiency ratio | 64.8636% | 4,103 |
| Assets per employee ($millions) | 5.5319% | 1,760 |
| Cash dividends to net income (ytd only)* | 328.8435% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7995% | 5,410 |
| Loan loss allowance to noncurrent loans | 192.0426% | 2,328 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 2,147 |
| Noncurrent loans to loans | 0.4163% | 3,960 |
| Net loans and leases to total assets | 74.9875% | 1,575 |
| Net loans and leases to deposits | 93.7824% | 1,216 |
| Net loans and leases to core deposits | 110.8195% | 819 |
| Total domestic deposits to total assets | 79.9590% | 4,754 |
| Equity capital to assets | 12.9839% | 1,355 |
| Core capital (leverage) ratio | 11.0929% | 2,314 |
| Tier 1 risk-based capital ratio | 12.8871% | 4,393 |
| Total risk-based capital ratio | 13.6804% | 4,574 |
| Memoranda: | ||
| Average total assets | $7,114,189,800 | 151 |
| Average earning assets | $6,362,215,600 | 150 |
| Average equity | $978,711,400 | 140 |
| Average total loans | $5,264,460,200 | 141 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3016% | 2,229 |
| Cost of funding earning assets | 0.3483% | 3,773 |
| Net interest margin | 3.9532% | 1,863 |
| Noninterest income to average assets | 0.5391% | 3,112 |
| Noninterest expense to average assets | 2.7379% | 3,435 |
| Loan and lease loss provision to assets | 0.0238% | 3,798 |
| Net operating income to assets | 0.8321% | 3,274 |
| Return on assets (ROA) | 0.8325% | 3,352 |
| Pretax return on assets | 1.3002% | 2,400 |
| Return on Equity (ROE) | 5.9629% | 4,170 |
| Retained earnings to average equity (ytd only) | -21.1288% | 6,205 |
| Net charge-offs to loans | 0.1338% | 1,797 |
| Credit loss provision to net charge-offs | 24.2197% | 3,328 |
| Earnings coverage of net charge-offs (x) | 13.4439% | 2,330 |
| Efficiency ratio | 66.1117% | 3,879 |
| Assets per employee ($millions) | 5.2495% | 2,003 |
| Cash dividends to net income (ytd only)* | 454.3398% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8562% | 5,344 |
| Loan loss allowance to noncurrent loans | 176.7348% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.1140% | 2,129 |
| Noncurrent loans to loans | 0.4845% | 3,904 |
| Net loans and leases to total assets | 73.8104% | 1,768 |
| Net loans and leases to deposits | 93.7496% | 1,231 |
| Net loans and leases to core deposits | 109.5387% | 900 |
| Total domestic deposits to total assets | 78.7314% | 5,044 |
| Equity capital to assets | 13.2026% | 1,349 |
| Core capital (leverage) ratio | 11.1919% | 2,312 |
| Tier 1 risk-based capital ratio | 12.8871% | 4,494 |
| Total risk-based capital ratio | 13.7233% | 4,676 |
| Memoranda: | ||
| Average total assets | $7,029,866,000 | 153 |
| Average earning assets | $6,263,459,500 | 151 |
| Average equity | $981,516,500 | 140 |
| Average total loans | $5,172,396,250 | 143 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 2,109 |
| Cost of funding earning assets | 0.3401% | 3,919 |
| Net interest margin | 3.9795% | 1,702 |
| Noninterest income to average assets | 0.5291% | 3,178 |
| Noninterest expense to average assets | 2.8281% | 3,136 |
| Loan and lease loss provision to assets | 0.0132% | 3,858 |
| Net operating income to assets | 0.7819% | 3,478 |
| Return on assets (ROA) | 0.7824% | 3,582 |
| Pretax return on assets | 1.2224% | 2,689 |
| Return on Equity (ROE) | 5.4995% | 4,370 |
| Retained earnings to average equity (ytd only) | -34.8240% | 6,308 |
| Net charge-offs to loans | 0.1023% | 1,983 |
| Credit loss provision to net charge-offs | 17.5748% | 3,040 |
| Earnings coverage of net charge-offs (x) | 16.4731% | 1,908 |
| Efficiency ratio | 68.2969% | 3,634 |
| Assets per employee ($millions) | 5.1295% | 2,119 |
| Cash dividends to net income (ytd only)* | 733.2243% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 5,205 |
| Loan loss allowance to noncurrent loans | 166.3713% | 2,596 |
| Noncurrent assets plus other real estate owned to assets | 1.3133% | 1,914 |
| Noncurrent loans to loans | 0.5549% | 3,792 |
| Net loans and leases to total assets | 73.1361% | 1,795 |
| Net loans and leases to deposits | 90.5431% | 1,530 |
| Net loans and leases to core deposits | 101.6481% | 1,353 |
| Total domestic deposits to total assets | 80.7750% | 4,675 |
| Equity capital to assets | 13.2523% | 1,280 |
| Core capital (leverage) ratio | 11.1460% | 2,293 |
| Tier 1 risk-based capital ratio | 13.1813% | 4,406 |
| Total risk-based capital ratio | 14.0986% | 4,518 |
| Memoranda: | ||
| Average total assets | $6,953,139,330 | 154 |
| Average earning assets | $6,174,455,000 | 155 |
| Average equity | $989,184,330 | 140 |
| Average total loans | $5,094,880,330 | 147 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3210% | 2,027 |
| Cost of funding earning assets | 0.3308% | 4,084 |
| Net interest margin | 3.9902% | 1,591 |
| Noninterest income to average assets | 0.4872% | 3,374 |
| Noninterest expense to average assets | 2.9018% | 2,899 |
| Loan and lease loss provision to assets | -0.0487% | 6,156 |
| Net operating income to assets | 0.7452% | 3,566 |
| Return on assets (ROA) | 0.7471% | 3,684 |
| Pretax return on assets | 1.1711% | 2,776 |
| Return on Equity (ROE) | 5.0738% | 4,497 |
| Retained earnings to average equity (ytd only) | -73.4115% | 6,399 |
| Net charge-offs to loans | 0.0909% | 1,811 |
| Credit loss provision to net charge-offs | -73.4498% | 4,438 |
| Earnings coverage of net charge-offs (x) | 16.8716% | 1,549 |
| Efficiency ratio | 70.8388% | 3,347 |
| Assets per employee ($millions) | 4.9299% | 2,445 |
| Cash dividends to net income (ytd only)* | 1,546.8626% | 6 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9497% | 5,251 |
| Loan loss allowance to noncurrent loans | 37.8693% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 2.8498% | 687 |
| Noncurrent loans to loans | 2.5078% | 965 |
| Net loans and leases to total assets | 72.1034% | 1,789 |
| Net loans and leases to deposits | 90.1813% | 1,369 |
| Net loans and leases to core deposits | 99.2058% | 1,377 |
| Total domestic deposits to total assets | 79.9538% | 5,060 |
| Equity capital to assets | 13.2631% | 1,276 |
| Core capital (leverage) ratio | 10.8905% | 2,529 |
| Tier 1 risk-based capital ratio | 13.0412% | 4,582 |
| Total risk-based capital ratio | 13.9782% | 4,691 |
| Memoranda: | ||
| Average total assets | $6,903,168,500 | 154 |
| Average earning assets | $6,113,951,000 | 155 |
| Average equity | $1,016,429,000 | 136 |
| Average total loans | $5,039,113,500 | 146 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6671% | 1,379 |
| Cost of funding earning assets | 0.3356% | 4,428 |
| Net interest margin | 4.3315% | 999 |
| Noninterest income to average assets | 0.5388% | 3,246 |
| Noninterest expense to average assets | 2.9168% | 3,092 |
| Loan and lease loss provision to assets | -0.0088% | 5,911 |
| Net operating income to assets | 0.8818% | 2,961 |
| Return on assets (ROA) | 0.8927% | 2,997 |
| Pretax return on assets | 1.4223% | 1,807 |
| Return on Equity (ROE) | 5.3626% | 4,479 |
| Retained earnings to average equity (ytd only) | 0.3134% | 5,636 |
| Net charge-offs to loans | 0.1280% | 2,744 |
| Credit loss provision to net charge-offs | -9.7339% | 5,313 |
| Earnings coverage of net charge-offs (x) | 15.3780% | 2,085 |
| Efficiency ratio | 66.1271% | 4,222 |
| Assets per employee ($millions) | 4.6090% | 2,861 |
| Cash dividends to net income (ytd only)* | 94.1565% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0042% | 5,023 |
| Loan loss allowance to noncurrent loans | 38.4402% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 3.0488% | 654 |
| Noncurrent loans to loans | 2.6123% | 950 |
| Net loans and leases to total assets | 72.4687% | 1,836 |
| Net loans and leases to deposits | 93.1861% | 1,162 |
| Net loans and leases to core deposits | 102.1915% | 1,235 |
| Total domestic deposits to total assets | 77.7677% | 5,477 |
| Equity capital to assets | 16.2162% | 509 |
| Core capital (leverage) ratio | 13.5163% | 964 |
| Tier 1 risk-based capital ratio | 17.0448% | 2,495 |
| Total risk-based capital ratio | 18.0903% | 2,527 |
| Memoranda: | ||
| Average total assets | $6,663,606,000 | 153 |
| Average earning assets | $5,806,507,000 | 156 |
| Average equity | $1,109,255,200 | 123 |
| Average total loans | $4,728,936,000 | 148 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7117% | 1,282 |
| Cost of funding earning assets | 0.3342% | 4,526 |
| Net interest margin | 4.3775% | 914 |
| Noninterest income to average assets | 0.5448% | 3,233 |
| Noninterest expense to average assets | 2.9489% | 2,964 |
| Loan and lease loss provision to assets | 0.0010% | 4,390 |
| Net operating income to assets | 0.8643% | 3,106 |
| Return on assets (ROA) | 0.8727% | 3,153 |
| Pretax return on assets | 1.4101% | 1,969 |
| Return on Equity (ROE) | 5.2079% | 4,623 |
| Retained earnings to average equity (ytd only) | -1.5219% | 6,034 |
| Net charge-offs to loans | 0.1306% | 2,491 |
| Credit loss provision to net charge-offs | 1.0515% | 3,796 |
| Earnings coverage of net charge-offs (x) | 15.2088% | 2,072 |
| Efficiency ratio | 66.2779% | 4,175 |
| Assets per employee ($millions) | 4.4159% | 3,112 |
| Cash dividends to net income (ytd only)* | 129.2227% | 189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 4,819 |
| Loan loss allowance to noncurrent loans | 30.3806% | 5,719 |
| Noncurrent assets plus other real estate owned to assets | 3.9243% | 517 |
| Noncurrent loans to loans | 3.5711% | 661 |
| Net loans and leases to total assets | 71.3212% | 1,968 |
| Net loans and leases to deposits | 90.7667% | 1,355 |
| Net loans and leases to core deposits | 99.3130% | 1,430 |
| Total domestic deposits to total assets | 78.5764% | 5,421 |
| Equity capital to assets | 16.2826% | 524 |
| Core capital (leverage) ratio | 13.3656% | 1,040 |
| Tier 1 risk-based capital ratio | 17.0729% | 2,590 |
| Total risk-based capital ratio | 18.1936% | 2,588 |
| Memoranda: | ||
| Average total assets | $6,621,871,250 | 154 |
| Average earning assets | $5,751,330,250 | 158 |
| Average equity | $1,109,656,000 | 122 |
| Average total loans | $4,661,115,500 | 146 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7497% | 1,178 |
| Cost of funding earning assets | 0.3332% | 4,607 |
| Net interest margin | 4.4165% | 824 |
| Noninterest income to average assets | 0.6047% | 2,795 |
| Noninterest expense to average assets | 3.0041% | 2,813 |
| Loan and lease loss provision to assets | 0.0418% | 3,485 |
| Net operating income to assets | 0.8527% | 3,059 |
| Return on assets (ROA) | 0.8589% | 3,121 |
| Pretax return on assets | 1.3899% | 1,932 |
| Return on Equity (ROE) | 5.0771% | 4,636 |
| Retained earnings to average equity (ytd only) | 5.0771% | 2,914 |
| Net charge-offs to loans | 0.1269% | 2,397 |
| Credit loss provision to net charge-offs | 47.1956% | 2,833 |
| Earnings coverage of net charge-offs (x) | 16.0458% | 1,817 |
| Efficiency ratio | 66.2298% | 4,329 |
| Assets per employee ($millions) | 4.3733% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1712% | 4,558 |
| Loan loss allowance to noncurrent loans | 26.0731% | 5,876 |
| Noncurrent assets plus other real estate owned to assets | 4.6548% | 413 |
| Noncurrent loans to loans | 4.4921% | 492 |
| Net loans and leases to total assets | 70.4379% | 2,011 |
| Net loans and leases to deposits | 89.6491% | 1,403 |
| Net loans and leases to core deposits | 96.1062% | 1,590 |
| Total domestic deposits to total assets | 78.5707% | 5,537 |
| Equity capital to assets | 17.1025% | 402 |
| Core capital (leverage) ratio | 14.1431% | 793 |
| Tier 1 risk-based capital ratio | 17.9780% | 2,251 |
| Total risk-based capital ratio | 19.1754% | 2,236 |
| Memoranda: | ||
| Average total assets | $6,599,139,330 | 151 |
| Average earning assets | $5,709,774,670 | 157 |
| Average equity | $1,116,435,670 | 119 |
| Average total loans | $4,606,896,670 | 147 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8366% | 976 |
| Cost of funding earning assets | 0.3392% | 4,655 |
| Net interest margin | 4.4975% | 661 |
| Noninterest income to average assets | 0.4893% | 3,499 |
| Noninterest expense to average assets | 3.0355% | 2,747 |
| Loan and lease loss provision to assets | -0.0015% | 6,365 |
| Net operating income to assets | 0.8234% | 3,041 |
| Return on assets (ROA) | 0.8349% | 3,051 |
| Pretax return on assets | 1.3503% | 1,915 |
| Return on Equity (ROE) | 4.9621% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.9621% | 3,132 |
| Net charge-offs to loans | 0.1074% | 2,109 |
| Credit loss provision to net charge-offs | -1.9656% | 4,638 |
| Earnings coverage of net charge-offs (x) | 17.9459% | 1,439 |
| Efficiency ratio | 67.8319% | 4,209 |
| Assets per employee ($millions) | 4.1706% | 3,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2231% | 4,533 |
| Loan loss allowance to noncurrent loans | 23.4577% | 6,007 |
| Noncurrent assets plus other real estate owned to assets | 5.4535% | 354 |
| Noncurrent loans to loans | 5.2139% | 409 |
| Net loans and leases to total assets | 68.5416% | 2,136 |
| Net loans and leases to deposits | 84.9463% | 1,729 |
| Net loans and leases to core deposits | 90.0864% | 1,898 |
| Total domestic deposits to total assets | 80.6882% | 5,318 |
| Equity capital to assets | 17.0283% | 394 |
| Core capital (leverage) ratio | 13.7015% | 922 |
| Tier 1 risk-based capital ratio | 18.0357% | 2,280 |
| Total risk-based capital ratio | 19.2752% | 2,263 |
| Memoranda: | ||
| Average total assets | $6,585,957,500 | 150 |
| Average earning assets | $5,677,431,000 | 157 |
| Average equity | $1,108,089,000 | 119 |
| Average total loans | $4,549,257,500 | 149 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9772% | 957 |
| Cost of funding earning assets | 0.4019% | 4,634 |
| Net interest margin | 4.5753% | 643 |
| Noninterest income to average assets | 0.5010% | 3,750 |
| Noninterest expense to average assets | 2.9928% | 3,079 |
| Loan and lease loss provision to assets | 0.2051% | 1,810 |
| Net operating income to assets | 0.7434% | 3,590 |
| Return on assets (ROA) | 0.7448% | 3,672 |
| Pretax return on assets | 1.2294% | 2,461 |
| Return on Equity (ROE) | 4.5169% | 4,882 |
| Retained earnings to average equity (ytd only) | -4.7329% | 6,353 |
| Net charge-offs to loans | 0.3175% | 2,099 |
| Credit loss provision to net charge-offs | 97.1712% | 2,563 |
| Earnings coverage of net charge-offs (x) | 6.7864% | 2,987 |
| Efficiency ratio | 65.9642% | 4,566 |
| Assets per employee ($millions) | 4.2058% | 3,435 |
| Cash dividends to net income (ytd only)* | 204.7822% | 73 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2489% | 4,395 |
| Loan loss allowance to noncurrent loans | 21.4027% | 6,148 |
| Noncurrent assets plus other real estate owned to assets | 5.9793% | 325 |
| Noncurrent loans to loans | 5.8353% | 363 |
| Net loans and leases to total assets | 67.9044% | 2,372 |
| Net loans and leases to deposits | 84.8741% | 1,824 |
| Net loans and leases to core deposits | 89.7069% | 2,058 |
| Total domestic deposits to total assets | 80.0061% | 5,443 |
| Equity capital to assets | 16.6238% | 434 |
| Core capital (leverage) ratio | 13.3757% | 997 |
| Tier 1 risk-based capital ratio | 17.6732% | 2,349 |
| Total risk-based capital ratio | 18.9347% | 2,322 |
| Memoranda: | ||
| Average total assets | $6,884,071,600 | 143 |
| Average earning assets | $5,904,178,600 | 146 |
| Average equity | $1,135,161,000 | 113 |
| Average total loans | $4,575,670,600 | 143 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 1,006 |
| Cost of funding earning assets | 0.4203% | 4,610 |
| Net interest margin | 4.5444% | 686 |
| Noninterest income to average assets | 0.4662% | 4,025 |
| Noninterest expense to average assets | 2.9783% | 3,059 |
| Loan and lease loss provision to assets | 0.2082% | 1,744 |
| Net operating income to assets | 0.7039% | 3,839 |
| Return on assets (ROA) | 0.7057% | 3,963 |
| Pretax return on assets | 1.1769% | 2,793 |
| Return on Equity (ROE) | 4.2882% | 5,078 |
| Retained earnings to average equity (ytd only) | -7.9511% | 6,594 |
| Net charge-offs to loans | 0.3411% | 1,841 |
| Credit loss provision to net charge-offs | 92.5866% | 2,567 |
| Earnings coverage of net charge-offs (x) | 6.1466% | 3,034 |
| Efficiency ratio | 66.6247% | 4,368 |
| Assets per employee ($millions) | 4.2768% | 3,277 |
| Cash dividends to net income (ytd only)* | 285.4192% | 36 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 4,598 |
| Loan loss allowance to noncurrent loans | 20.4847% | 6,232 |
| Noncurrent assets plus other real estate owned to assets | 6.1335% | 385 |
| Noncurrent loans to loans | 6.1487% | 400 |
| Net loans and leases to total assets | 66.9063% | 2,480 |
| Net loans and leases to deposits | 81.9844% | 2,140 |
| Net loans and leases to core deposits | 86.4103% | 2,358 |
| Total domestic deposits to total assets | 81.6086% | 5,052 |
| Equity capital to assets | 16.4550% | 476 |
| Core capital (leverage) ratio | 12.7829% | 1,293 |
| Tier 1 risk-based capital ratio | 17.4294% | 2,529 |
| Total risk-based capital ratio | 18.7068% | 2,494 |
| Memoranda: | ||
| Average total assets | $6,950,123,750 | 141 |
| Average earning assets | $5,955,806,000 | 141 |
| Average equity | $1,143,833,000 | 113 |
| Average total loans | $4,581,581,000 | 139 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0189% | 886 |
| Cost of funding earning assets | 0.4371% | 4,584 |
| Net interest margin | 4.5819% | 614 |
| Noninterest income to average assets | 0.4384% | 4,258 |
| Noninterest expense to average assets | 2.9959% | 3,013 |
| Loan and lease loss provision to assets | 0.3050% | 1,175 |
| Net operating income to assets | 0.6338% | 4,136 |
| Return on assets (ROA) | 0.6375% | 4,269 |
| Pretax return on assets | 1.0669% | 3,231 |
| Return on Equity (ROE) | 3.8733% | 5,267 |
| Retained earnings to average equity (ytd only) | 3.8733% | 3,835 |
| Net charge-offs to loans | 0.4547% | 1,444 |
| Credit loss provision to net charge-offs | 102.6296% | 2,161 |
| Earnings coverage of net charge-offs (x) | 4.5971% | 3,089 |
| Efficiency ratio | 67.0323% | 4,355 |
| Assets per employee ($millions) | 4.3941% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 4,925 |
| Loan loss allowance to noncurrent loans | 18.0495% | 6,339 |
| Noncurrent assets plus other real estate owned to assets | 6.6001% | 370 |
| Noncurrent loans to loans | 6.7084% | 378 |
| Net loans and leases to total assets | 66.1764% | 2,558 |
| Net loans and leases to deposits | 81.6865% | 2,091 |
| Net loans and leases to core deposits | 86.5349% | 2,288 |
| Total domestic deposits to total assets | 81.0127% | 5,334 |
| Equity capital to assets | 17.0638% | 407 |
| Core capital (leverage) ratio | 12.6840% | 1,297 |
| Tier 1 risk-based capital ratio | 17.6789% | 2,444 |
| Total risk-based capital ratio | 18.9180% | 2,415 |
| Memoranda: | ||
| Average total assets | $7,064,305,330 | 138 |
| Average earning assets | $6,049,208,330 | 140 |
| Average equity | $1,162,684,670 | 112 |
| Average total loans | $4,616,348,000 | 136 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9837% | 922 |
| Cost of funding earning assets | 0.4481% | 4,617 |
| Net interest margin | 4.5355% | 635 |
| Noninterest income to average assets | 0.3295% | 5,065 |
| Noninterest expense to average assets | 2.9356% | 3,207 |
| Loan and lease loss provision to assets | 0.3838% | 823 |
| Net operating income to assets | 0.4957% | 4,687 |
| Return on assets (ROA) | 0.4957% | 4,842 |
| Pretax return on assets | 0.8963% | 3,780 |
| Return on Equity (ROE) | 3.0651% | 5,564 |
| Retained earnings to average equity (ytd only) | 3.0651% | 4,441 |
| Net charge-offs to loans | 0.4729% | 1,265 |
| Credit loss provision to net charge-offs | 125.6872% | 1,544 |
| Earnings coverage of net charge-offs (x) | 4.1921% | 2,604 |
| Efficiency ratio | 67.9576% | 4,317 |
| Assets per employee ($millions) | 4.7617% | 2,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2235% | 5,073 |
| Loan loss allowance to noncurrent loans | 15.6563% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 7.2180% | 383 |
| Noncurrent loans to loans | 7.8150% | 345 |
| Net loans and leases to total assets | 64.1127% | 2,682 |
| Net loans and leases to deposits | 78.5110% | 2,270 |
| Net loans and leases to core deposits | 83.4825% | 2,391 |
| Total domestic deposits to total assets | 81.6607% | 5,308 |
| Equity capital to assets | 16.4802% | 496 |
| Core capital (leverage) ratio | 12.1559% | 1,485 |
| Tier 1 risk-based capital ratio | 17.4935% | 2,562 |
| Total risk-based capital ratio | 18.7510% | 2,522 |
| Memoranda: | ||
| Average total assets | $7,195,446,000 | 140 |
| Average earning assets | $6,165,263,500 | 142 |
| Average equity | $1,163,685,000 | 115 |
| Average total loans | $4,646,268,000 | 139 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1964% | 1,123 |
| Cost of funding earning assets | 0.5680% | 4,662 |
| Net interest margin | 4.6284% | 746 |
| Noninterest income to average assets | 0.5400% | 3,646 |
| Noninterest expense to average assets | 3.2971% | 2,346 |
| Loan and lease loss provision to assets | 0.3372% | 1,992 |
| Net operating income to assets | 1.0250% | 2,230 |
| Return on assets (ROA) | 1.1557% | 1,911 |
| Pretax return on assets | 1.0081% | 3,522 |
| Return on Equity (ROE) | 7.5347% | 3,320 |
| Retained earnings to average equity (ytd only) | 7.5347% | 1,320 |
| Net charge-offs to loans | 0.0460% | 5,269 |
| Credit loss provision to net charge-offs | 1,118.5541% | 231 |
| Earnings coverage of net charge-offs (x) | 40.2912% | 794 |
| Efficiency ratio | 71.4961% | 3,520 |
| Assets per employee ($millions) | 4.6354% | 2,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1703% | 5,261 |
| Loan loss allowance to noncurrent loans | 14.9711% | 6,493 |
| Noncurrent assets plus other real estate owned to assets | 7.1399% | 428 |
| Noncurrent loans to loans | 7.8174% | 379 |
| Net loans and leases to total assets | 63.4956% | 2,980 |
| Net loans and leases to deposits | 77.2531% | 2,620 |
| Net loans and leases to core deposits | 82.1105% | 2,755 |
| Total domestic deposits to total assets | 82.1916% | 5,033 |
| Equity capital to assets | 15.8738% | 577 |
| Core capital (leverage) ratio | 11.6705% | 1,752 |
| Tier 1 risk-based capital ratio | 17.0598% | 2,623 |
| Total risk-based capital ratio | 18.2787% | 2,605 |
| Memoranda: | ||
| Average total assets | $6,561,243,800 | 143 |
| Average earning assets | $5,630,465,200 | 147 |
| Average equity | $1,006,394,600 | 127 |
| Average total loans | $4,296,524,600 | 139 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2672% | 1,066 |
| Cost of funding earning assets | 0.5903% | 4,742 |
| Net interest margin | 4.6770% | 705 |
| Noninterest income to average assets | 0.5707% | 3,465 |
| Noninterest expense to average assets | 3.3413% | 2,155 |
| Loan and lease loss provision to assets | 0.3713% | 1,745 |
| Net operating income to assets | 1.2067% | 1,712 |
| Return on assets (ROA) | 1.3858% | 1,385 |
| Pretax return on assets | 1.0563% | 3,512 |
| Return on Equity (ROE) | 9.1259% | 2,739 |
| Retained earnings to average equity (ytd only) | 9.1259% | 1,175 |
| Net charge-offs to loans | 0.0291% | 5,255 |
| Credit loss provision to net charge-offs | 1,936.2050% | 138 |
| Earnings coverage of net charge-offs (x) | 65.1088% | 615 |
| Efficiency ratio | 71.2593% | 3,458 |
| Assets per employee ($millions) | 4.7854% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 4,966 |
| Loan loss allowance to noncurrent loans | 15.2785% | 6,590 |
| Noncurrent assets plus other real estate owned to assets | 7.7216% | 410 |
| Noncurrent loans to loans | 8.2914% | 362 |
| Net loans and leases to total assets | 64.3323% | 2,972 |
| Net loans and leases to deposits | 79.0400% | 2,528 |
| Net loans and leases to core deposits | 83.7602% | 2,723 |
| Total domestic deposits to total assets | 81.3920% | 5,237 |
| Equity capital to assets | 16.1672% | 574 |
| Core capital (leverage) ratio | 12.0176% | 1,644 |
| Tier 1 risk-based capital ratio | 17.4530% | 2,559 |
| Total risk-based capital ratio | 18.7867% | 2,494 |
| Memoranda: | ||
| Average total assets | $6,376,360,750 | 149 |
| Average earning assets | $5,479,309,250 | 150 |
| Average equity | $968,266,500 | 131 |
| Average total loans | $4,198,014,250 | 139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3313% | 986 |
| Cost of funding earning assets | 0.6065% | 4,850 |
| Net interest margin | 4.7249% | 641 |
| Noninterest income to average assets | 0.5829% | 3,364 |
| Noninterest expense to average assets | 3.2237% | 2,514 |
| Loan and lease loss provision to assets | 0.3734% | 1,753 |
| Net operating income to assets | 0.6512% | 4,106 |
| Return on assets (ROA) | 0.7240% | 4,012 |
| Pretax return on assets | 1.1595% | 3,086 |
| Return on Equity (ROE) | 4.8698% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.8698% | 3,355 |
| Net charge-offs to loans | 0.0595% | 4,587 |
| Credit loss provision to net charge-offs | 950.3569% | 349 |
| Earnings coverage of net charge-offs (x) | 36.1205% | 951 |
| Efficiency ratio | 67.9174% | 4,134 |
| Assets per employee ($millions) | 4.4181% | 3,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0850% | 5,846 |
| Loan loss allowance to noncurrent loans | 12.9832% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 8.0468% | 426 |
| Noncurrent loans to loans | 8.3568% | 396 |
| Net loans and leases to total assets | 65.5704% | 2,756 |
| Net loans and leases to deposits | 80.8716% | 2,252 |
| Net loans and leases to core deposits | 86.1517% | 2,414 |
| Total domestic deposits to total assets | 81.0796% | 5,440 |
| Equity capital to assets | 15.3977% | 699 |
| Core capital (leverage) ratio | 11.3672% | 1,992 |
| Tier 1 risk-based capital ratio | 16.4371% | 2,951 |
| Total risk-based capital ratio | 17.6005% | 2,953 |
| Memoranda: | ||
| Average total assets | $6,418,554,330 | 150 |
| Average earning assets | $5,515,502,330 | 149 |
| Average equity | $954,217,330 | 131 |
| Average total loans | $4,239,948,330 | 136 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3487% | 1,012 |
| Cost of funding earning assets | 0.6281% | 4,910 |
| Net interest margin | 4.7206% | 661 |
| Noninterest income to average assets | 0.5936% | 3,274 |
| Noninterest expense to average assets | 3.2858% | 2,333 |
| Loan and lease loss provision to assets | 0.3325% | 1,882 |
| Net operating income to assets | 0.6275% | 4,230 |
| Return on assets (ROA) | 0.7365% | 3,937 |
| Pretax return on assets | 1.2017% | 2,906 |
| Return on Equity (ROE) | 5.0422% | 4,768 |
| Retained earnings to average equity (ytd only) | 5.0422% | 3,534 |
| Net charge-offs to loans | -0.0453% | 6,497 |
| Credit loss provision to net charge-offs | -1,113.0435% | 5,939 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2239% | 3,944 |
| Assets per employee ($millions) | 4.5302% | 2,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9604% | 6,389 |
| Loan loss allowance to noncurrent loans | 11.4323% | 6,738 |
| Noncurrent assets plus other real estate owned to assets | 8.1222% | 465 |
| Noncurrent loans to loans | 8.4006% | 437 |
| Net loans and leases to total assets | 64.7330% | 2,705 |
| Net loans and leases to deposits | 79.1973% | 2,313 |
| Net loans and leases to core deposits | 84.9062% | 2,422 |
| Total domestic deposits to total assets | 81.7363% | 5,381 |
| Equity capital to assets | 14.6747% | 814 |
| Core capital (leverage) ratio | 10.7898% | 2,450 |
| Tier 1 risk-based capital ratio | 16.1195% | 3,110 |
| Total risk-based capital ratio | 17.1775% | 3,180 |
| Memoranda: | ||
| Average total assets | $6,466,693,000 | 147 |
| Average earning assets | $5,556,558,500 | 148 |
| Average equity | $944,584,500 | 130 |
| Average total loans | $4,264,415,000 | 136 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8771% | 3,464 |
| Cost of funding earning assets | 0.7066% | 5,493 |
| Net interest margin | 4.1706% | 2,153 |
| Noninterest income to average assets | 0.5580% | 3,450 |
| Noninterest expense to average assets | 2.9498% | 3,768 |
| Loan and lease loss provision to assets | 0.7187% | 1,423 |
| Net operating income to assets | 0.3300% | 5,149 |
| Return on assets (ROA) | 0.3867% | 5,087 |
| Pretax return on assets | 0.6018% | 4,690 |
| Return on Equity (ROE) | 2.9307% | 5,313 |
| Retained earnings to average equity (ytd only) | 2.9307% | 4,151 |
| Net charge-offs to loans | 0.1247% | 5,141 |
| Credit loss provision to net charge-offs | 872.6364% | 256 |
| Earnings coverage of net charge-offs (x) | 14.9570% | 1,428 |
| Efficiency ratio | 68.8046% | 4,188 |
| Assets per employee ($millions) | 4.3766% | 3,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8080% | 6,719 |
| Loan loss allowance to noncurrent loans | 9.1048% | 6,830 |
| Noncurrent assets plus other real estate owned to assets | 8.5269% | 444 |
| Noncurrent loans to loans | 8.8747% | 404 |
| Net loans and leases to total assets | 65.9908% | 2,784 |
| Net loans and leases to deposits | 83.0654% | 2,059 |
| Net loans and leases to core deposits | 89.1367% | 2,235 |
| Total domestic deposits to total assets | 79.4444% | 5,879 |
| Equity capital to assets | 14.5391% | 881 |
| Core capital (leverage) ratio | 10.3849% | 2,862 |
| Tier 1 risk-based capital ratio | 15.7364% | 3,198 |
| Total risk-based capital ratio | 16.6679% | 3,335 |
| Memoranda: | ||
| Average total assets | $5,342,670,400 | 161 |
| Average earning assets | $4,641,988,800 | 162 |
| Average equity | $704,975,800 | 153 |
| Average total loans | $3,529,531,600 | 161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4755% | 5,329 |
| Cost of funding earning assets | 0.7110% | 5,694 |
| Net interest margin | 3.7645% | 4,039 |
| Noninterest income to average assets | 0.4806% | 4,037 |
| Noninterest expense to average assets | 2.8209% | 4,267 |
| Loan and lease loss provision to assets | 0.5196% | 1,906 |
| Net operating income to assets | 0.2776% | 5,479 |
| Return on assets (ROA) | 0.3290% | 5,461 |
| Pretax return on assets | 0.4994% | 5,160 |
| Return on Equity (ROE) | 2.5772% | 5,593 |
| Retained earnings to average equity (ytd only) | 2.5772% | 4,825 |
| Net charge-offs to loans | 0.1349% | 4,701 |
| Credit loss provision to net charge-offs | 584.3306% | 467 |
| Earnings coverage of net charge-offs (x) | 10.5841% | 1,904 |
| Efficiency ratio | 73.0126% | 3,360 |
| Assets per employee ($millions) | 4.3814% | 3,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3899% | 7,238 |
| Loan loss allowance to noncurrent loans | 4.0200% | 6,946 |
| Noncurrent assets plus other real estate owned to assets | 8.7579% | 461 |
| Noncurrent loans to loans | 9.6982% | 369 |
| Net loans and leases to total assets | 66.1856% | 2,857 |
| Net loans and leases to deposits | 82.9952% | 2,177 |
| Net loans and leases to core deposits | 89.1356% | 2,346 |
| Total domestic deposits to total assets | 79.7464% | 5,813 |
| Equity capital to assets | 14.1022% | 1,122 |
| Core capital (leverage) ratio | 13.8185% | 949 |
| Tier 1 risk-based capital ratio | 15.9688% | 3,134 |
| Total risk-based capital ratio | 16.4890% | 3,489 |
| Memoranda: | ||
| Average total assets | $5,062,290,000 | 167 |
| Average earning assets | $4,412,735,250 | 165 |
| Average equity | $646,260,750 | 160 |
| Average total loans | $3,336,784,500 | 167 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 5,817 |
| Cost of funding earning assets | 0.7487% | 5,678 |
| Net interest margin | 3.6140% | 4,665 |
| Noninterest income to average assets | 0.5298% | 3,626 |
| Noninterest expense to average assets | 2.9030% | 4,012 |
| Loan and lease loss provision to assets | 0.4380% | 2,243 |
| Net operating income to assets | 0.2472% | 5,573 |
| Return on assets (ROA) | 0.2477% | 5,694 |
| Pretax return on assets | 0.3705% | 5,481 |
| Return on Equity (ROE) | 2.0439% | 5,773 |
| Retained earnings to average equity (ytd only) | 2.0439% | 4,958 |
| Net charge-offs to loans | 0.2027% | 3,933 |
| Credit loss provision to net charge-offs | 329.1378% | 928 |
| Earnings coverage of net charge-offs (x) | 6.0690% | 2,478 |
| Efficiency ratio | 76.1321% | 2,990 |
| Assets per employee ($millions) | 4.9448% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2560% | 7,370 |
| Loan loss allowance to noncurrent loans | 2.4402% | 6,999 |
| Noncurrent assets plus other real estate owned to assets | 8.7378% | 489 |
| Noncurrent loans to loans | 10.4896% | 352 |
| Net loans and leases to total assets | 66.4406% | 2,942 |
| Net loans and leases to deposits | 85.0296% | 1,944 |
| Net loans and leases to core deposits | 94.2126% | 1,871 |
| Total domestic deposits to total assets | 78.1383% | 6,260 |
| Equity capital to assets | 13.5330% | 1,274 |
| Core capital (leverage) ratio | 10.4990% | 2,715 |
| Tier 1 risk-based capital ratio | 16.9947% | 2,524 |
| Total risk-based capital ratio | 17.4453% | 2,855 |
| Memoranda: | ||
| Average total assets | $4,548,808,330 | 181 |
| Average earning assets | $4,003,820,000 | 186 |
| Average equity | $551,303,670 | 184 |
| Average total loans | $2,986,657,670 | 180 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8044% | 4,039 |
| Cost of funding earning assets | 0.8487% | 5,282 |
| Net interest margin | 3.9558% | 2,890 |
| Noninterest income to average assets | 0.3598% | 5,028 |
| Noninterest expense to average assets | 2.7320% | 4,712 |
| Loan and lease loss provision to assets | 0.3026% | 2,741 |
| Net operating income to assets | 0.3409% | 5,219 |
| Return on assets (ROA) | 0.3399% | 5,305 |
| Pretax return on assets | 0.5533% | 4,854 |
| Return on Equity (ROE) | 2.5582% | 5,582 |
| Retained earnings to average equity (ytd only) | 2.5582% | 4,631 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6927% | 3,575 |
| Assets per employee ($millions) | 5.6955% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1585% | 7,459 |
| Loan loss allowance to noncurrent loans | 0.9182% | 7,070 |
| Noncurrent assets plus other real estate owned to assets | 15.9968% | 136 |
| Noncurrent loans to loans | 17.2636% | 105 |
| Net loans and leases to total assets | 67.3816% | 2,678 |
| Net loans and leases to deposits | 92.1312% | 1,007 |
| Net loans and leases to core deposits | 97.2027% | 1,580 |
| Total domestic deposits to total assets | 73.1365% | 6,987 |
| Equity capital to assets | 13.4810% | 1,192 |
| Core capital (leverage) ratio | 12.6984% | 1,242 |
| Tier 1 risk-based capital ratio | 45.8382% | 165 |
| Total risk-based capital ratio | 46.2421% | 170 |
| Memoranda: | ||
| Average total assets | $1,180,508,000 | 569 |
| Average earning assets | $963,857,000 | 633 |
| Average equity | $156,832,000 | 454 |
| Average total loans | $766,430,000 | 560 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4947% | 7,545 |
| Cost of funding earning assets | 0.3117% | 7,494 |
| Net interest margin | 2.1829% | 7,403 |
| Noninterest income to average assets | 2.4201% | 290 |
| Noninterest expense to average assets | 1.3826% | 7,493 |
| Loan and lease loss provision to assets | 0.0294% | 6,834 |
| Net operating income to assets | 1.7253% | 490 |
| Return on assets (ROA) | 1.7253% | 533 |
| Pretax return on assets | 2.7664% | 145 |
| Return on Equity (ROE) | 13.0616% | 1,072 |
| Retained earnings to average equity (ytd only) | 13.0616% | 207 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.1745% | 7,572 |
| Assets per employee ($millions) | 5.3059% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0467% | 7,564 |
| Loan loss allowance to noncurrent loans | 0.2527% | 7,149 |
| Noncurrent assets plus other real estate owned to assets | 15.7724% | 139 |
| Noncurrent loans to loans | 18.5000% | 92 |
| Net loans and leases to total assets | 62.4094% | 4,199 |
| Net loans and leases to deposits | 83.7675% | 2,490 |
| Net loans and leases to core deposits | 87.7555% | 3,087 |
| Total domestic deposits to total assets | 74.5031% | 6,829 |
| Equity capital to assets | 13.0953% | 1,349 |
| Core capital (leverage) ratio | 12.0236% | 1,532 |
| Tier 1 risk-based capital ratio | 16.8923% | 2,387 |
| Total risk-based capital ratio | 16.9361% | 2,864 |
| Memoranda: | ||
| Average total assets | $1,188,863,500 | 563 |
| Average earning assets | $957,605,500 | 626 |
| Average equity | $157,040,500 | 436 |
| Average total loans | $756,941,500 | 570 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5437% | 7,707 |
| Cost of funding earning assets | 0.4636% | 7,498 |
| Net interest margin | 1.0801% | 7,701 |
| Noninterest income to average assets | 3.2408% | 205 |
| Noninterest expense to average assets | 0.6917% | 7,723 |
| Loan and lease loss provision to assets | 0.0017% | 6,971 |
| Net operating income to assets | 2.2416% | 220 |
| Return on assets (ROA) | 2.2416% | 237 |
| Pretax return on assets | 3.4019% | 93 |
| Return on Equity (ROE) | 16.8224% | 612 |
| Retained earnings to average equity (ytd only) | 16.8224% | 147 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6271% | 7,736 |
| Assets per employee ($millions) | 5.1021% | 2,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0020% | 7,689 |
| Loan loss allowance to noncurrent loans | 0.0123% | 7,260 |
| Noncurrent assets plus other real estate owned to assets | 14.1792% | 181 |
| Noncurrent loans to loans | 15.9845% | 143 |
| Net loans and leases to total assets | 64.9202% | 3,921 |
| Net loans and leases to deposits | 89.2422% | 1,829 |
| Net loans and leases to core deposits | 93.1377% | 2,639 |
| Total domestic deposits to total assets | 72.7462% | 7,060 |
| Equity capital to assets | 13.3252% | 1,435 |
| Core capital (leverage) ratio | 12.8578% | 1,282 |
| Tier 1 risk-based capital ratio | 16.5155% | 2,551 |
| Total risk-based capital ratio | 16.5172% | 3,083 |
| Memoranda: | ||
| Average total assets | $1,178,583,000 | 564 |
| Average earning assets | $932,383,000 | 644 |
| Average equity | $157,049,000 | 432 |
| Average total loans | $765,154,000 | 566 |